About Quick Loans Express FAQ Archives
LAST UPDATE 28.07.2021

FAQ Page - About Quick Loans Express

Q: How much would my loan cost me?

The APR on our loans vary from 690% to 1100%. This is cheaper than many quick loan lenders. Our loan calculator on the application form shows how much you will need to pay in interest on the amount you want to borrow. This is the amount you will need to pay. There are no hidden charges.

Q: Can I apply if I have a CCJ?

Yes. We are happy to accept people for a best short term loan even with a CCJ as long as we can see there financial position is improving.

Q: What are Quick Loans Express opening times?

You can apply for a direct lender payday loan at any time. However, our office is open Monday - Friday, 8am-5pm if you wish to contact us by phone.

Q: Do you charge a fee to transfer money to my account?

No – we do not charge a fee for transferring your direct lender loans UK funds to your account.

Q: Do you charge any fees or penalties?

We charge no additional fees on your direct lender loans if you keep to your repayment plan. Like most lenders, if you default on repayments, then you pay a one-off £15 default fee and 0.8 per cent interest from then on per day until you have accumulated interest of double the amount you borrowed. However, if you are struggling to make repayments, contact us before you default so we can make a fair arrangement. Look at our Responsible Lending Policy for more information.

Q: Why should I use Quick Loans Express?

There are many reasons why you may choose to apply for a quick cash loan with us. With Quick Loans Express, you don’t need to do any faxing or mailing documents. All you are required to do is to fill out a simple online application form and choose how much you want to borrow. We have taken into account the feedback we have heard from customers of other loan firms before we set up Quick Loans Express. Here are some of the issues that were raised repeatedly:

  • You wanted a loan service which was fast.
  • You wanted a service that was easy to use.
  • It was vital to you that you didn’t want a fast loan company to pester you to take out more cheap quick loans or badger you in other ways.

Taking all this feedback into consideration, we tried to make the perfect loan service for everyone.

Q: Will I get my loan just as fast, if I have bad credit?

Yes, we do approve certain applications for fast loans for bad credit. Our decision to lend to you is based on a range of factors, including your affordability and personal circumstances. We will do everything we can to help you. Having a decent credit score though will increase your chances of receiving a fast unsecured loan with bad credit. It is therefore worth building up your credit score for faster and cheaper loans in the future. Quick Loans Express will consider your bad credit loan application for fast unsecured cash with an instant decision. However, you may prefer to investigate your other options such as secure or guarantor loans because quick cash loans are costly.

Q: I am on benefits and need a fast loan, is it possible to get one?

Some lenders who prioritise in getting you a fast loan will be willing to offer someone on benefits who need a loan fast. Other lenders, however, don't want to compromise swiftness with the risk of lending. Be aware, that most lenders will not lend to someone on benefits who have no other source of income. This is an ethical decision that the FCA has enforced to stop people falling into heavy debt. However, some lenders look at all your income as well as your credit score to ensure that if you need a loan quick, you will get it. Quick Loans Express will always give your application a fair review, and we may be able to offer you a fast loan even if you are on benefits.

Q: Why should I trust Quick Loans Express’s fast loans?

Quick Loans Express is authorised by the FCA. This means that we will only lend to people who can afford it and we follow the guidelines set out by the FCA. Short term loan companies seem to have a bad reputation. Hardly a week goes by when one of them hasn’t made the headlines for a bad business practice. There are quite a few loan sharks out there that you should avoid as well. Thankfully, we have proved ourselves as responsible lenders. Because we want to be in existence for the long term, we put customer satisfaction above our profit margins. While we hope that you will only ever need to use us once, we want to be sure that, should the need arise, you will choose us again due to the great service that we have provided. Our clients are from a wide variety of backgrounds, and many have the option to access other forms of credit but opt to use these fast loans because they are quick and easy. Some lenders don’t understand the importance of this and make the application process difficult for the client.

Q: Do you offer loans online with instalment payments?

Most short term loan lenders online do not expect you to pay your loan off in one instalment. Instead, they offer monthly online payday instalment loans online. This means splitting the cost of your loan over a few months. Quick Loans Express provide instalment loans from 3 - 6 months.

Q: What is the loan limit for Quick Loans Express online?

Our online loans for bad credit or normal credit range from £250 and up to £2000. We offer these amounts to new borrowers too. Our loans online are designed to be small and are tailored to help people catch up with their expenses. They are not meant to be used as a long term fix. If you are having difficulty getting on top of your finances or seem to be slipping into debt, contact the many advice services available in the UK.

Representative Example:
Loan Amount (for 6 Months) £700
Six Repayments of £203.22
Total Repayment £1219.32
Representative 696.83% APR
Interest Rate P.A. (fixed) 74.19%

Q: Do you offer instant loans online?

When you are in an emergency, you are likely to need loans online with instant decision to help you secure your financial situation. For this reason, Quick Loans Express cut to the chase with a 90 second decision time. Consequently, any online loan is expected to generate a much quicker decision time than if you had to venture into a loan shop and only then start the application. Payday loans online with instant decision will no doubt help you in an emergency.

Q: Are your same day loans based in the UK?

Yes! We are a same day loans UK direct lender. Our office in London where our underwriters and customer service team sit and work on approving loans with great speed to get you that same day loan as quickly as possible. All same day loans UK lenders, you apply with, should be FCA authorised and regulated for your own safety.

Q: I have forgotten my password what should I do?

If you have forgotten your password, in the login area, click on ‘forgot password or NEW USER’. We will need to check some personal details, so you may be required to refill in some details before you create a new password. No credit check instant payday loans will not have the same security and therefore it is crucial that you only provide personal details to reliable and reputable FCA authorised lenders.

Q: How can I make a complaint?

Quick Loans Express take complaints very seriously and want to ensure every customer has a swift and direct lender loan process. If you would like to get in touch with us, please do so by emailing client-service@quickloansexpress.co.uk, and we will try to resolve your issue quickly. For more information, please visit our ‘complaints-procedure’.

Q: How does Quick Loans Express compare to other short term lenders?

Finding the right short term lender for you may take time but it is essential. There are various factors to consider when choosing a short term loan lender in the UK who is right for you. You will need to consider if you want to use a direct or broker. In order to help make your decision that little bit easier, we have compiled a list of other UK lenders, including the APR rate they charge.

Company name


Where are they based?

Quick Loans Express

690% to 1100%

Payday Lender UK



Payday Lender UK

Money Boat


Payday lender UK 



Payday Lender UK

*based on APR from February 2018 (may be subject to change)

Q: What does the loan calculator do?

A loan calculator helps you to better understand the cost of your loan. The calculator shows you the repayment amount per month and the difference in cost depending on the length of your loan. Our loan calculator is easy to use and understand. You will find it on our apply page.

Q: I need to borrow more, will Quick Loans Express top up my loan?

Unfortunately, Quick Loans Express does not offer top-up loans. Once you have paid off your instant payday loan, you can reapply for a second loan. However, this will go through the same loan approval process as your original loan.

Q: What are your contact details?

If you would like to get in touch about anything including same day loans with bad credit or your repayments please do not hesitate to contact using one of the following options:
Email: client-service@quickloansexpress.co.uk
Telephone: 0203 909 5555
Post: Office 8, 2a Highfield Avenue, London, NW11 9ET
We try to respond within 24 hours after you contacted us or after we have received your letter. (This excludes weekends and public holidays.)

Q: What's a safe website for fast cash loans?

Quick Loans Express is a very safe website that provides fast cash loans to accepted applicants. We are a secure website and we follow the FCA guidelines to ensure you have a safe and secure experience online.

Q: How does Quick Loans Express keep my personal information secure?

We take the protection of our customers very seriously and do everything to keep your personal information secure. We have taken various steps to keep the website, and your details protected but we advise our customers to ensure they also have the correct protection on their devices for a safe application. For more information on how we keep your details safe, read through our privacy policy .

Q: Who is Quick Loans Express?

Quick Loans Express is a trading name of Western Circle Ltd. We are an authorised FCA short term loans lender that focuses on speed, simplicity and safety. If you need an instant pay day loan or a short term loan, you have come to the right place!

Quick Loans Express

We like to keep things simple. If you have any questions about the way we work, take a look at the FAQs below, or contact us. Ready to go ahead? Apply now and get a decision within three hours!

  • Direct lender
  • Bad credit welcome
  • FCA authorised
  • No fee to apply
  • Instant decision
  • Same day payment
  • Get up to £1500
Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 222.79%. RAPR 832.04% Our APR includes all applicable fees. Daily interest is capped at 0.793%.